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As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

Anchorage Mayor Ethan Berkowitz has admitted to having an inappropriate relationship with a female reporter, three days after she made online allegations against the married Berkowitz.In a statement, Berkowitz apologized to the people of Anchorage for a “major lapse” in judgment in having what he said was a consensual, inappropriate messaging relationship with TV anchorwoman Maria Athens. The acknowledgment comes at the end of three days that roiled Alaska’s largest city, a span that saw both his denial of accusations Athens made on Facebook and her arrest. It was not immediately clear what the messages involved and how long it lasted. Berkowitz declined an interview with The Associated Press. 710

Americans aren’t exercising like they used to.“I’ve definitely been walking a whole lot less since the coronavirus hit,” Nathan Martin said.With social distancing orders put into place, the pandemic has many people spending more time at home.“I was a little bit less active and more Netflix,” Hannah Hockensmith said.Now, a new study is showing this drop in physical activity is increasing health concerns across the globe.“COVID-19 is a worldwide phenomenon unlike anything else we’ve seen in generations,” said Dr. Geoff Tison, a cardiologist at the University of California, San Francisco.Tison recently finished a new study using smartphone apps to track the step counts from almost half a million people in countries worldwide.The data was collected from mid-January to early June and the findings show the world is walking a lot less.“Within the first month of the pandemic, declaration activity decreased by about 27%,” he said.Tison says this lack of physical activity could damage people’s health, especially in older adults.“With decreased activity, increased sitting on the couch, just not being as active is muscle mass can start to decrease as can bone density,” he said.In America, the study shows the biggest drop in step counts happened in New York City while Dallas had the smallest decrease.“The changes in activity seem to reflect adherence to social distancing at least to a degree,” Tison said.To increase exercise indoors, Tison says is all about thinking outside the box.“You can do similar exercises, work similar muscles with things around the house,” he said. “Use a gallon of milk instead of a dumbbell.”To exercise outdoors, however, Tison believes changes need to happen at the city and state levels.“Policy makers, governments need to be creative understanding that people are humans and want to be active and want do things,” he said. “But to enable them to do that safely.” 1913

As hundreds of thousands of workers were sent home, and office buildings evacuated over coronavirus concerns, the CDC is warning about a potential secondary health concern when they come back: Legionnaires disease.The CDC should know, they are dealing with a Legionella bacteria discovery itself in some of their leased buildings in the Atlanta area. Several buildings are now closed because the bacteria was found in their water system, likely because of the prolonged shutdown."During the recent closures at our leased space in Atlanta, working through the General Services Administration (GSA), CDC directed the landlord to take protective actions," the CDC said in a statement to CNN."Despite their best efforts, CDC has been notified that Legionella, which can cause Legionnaires' Disease, is present in a cooling tower as well as in some water sources in the buildings. Out of an abundance of caution, we have closed these buildings until successful remediation is complete."The bacteria grows in warm or stagnant water, which is why there is concern as office buildings and restaurants sit abandoned during the pandemic. The bacteria is common in water, and is usually only a problem when the water becomes aerosolized and people breath it in; common sources are showers and water fountains. Legionella bacteria can cause deadly pneumonia.Last year, the CDC reports, 4,294 cases were reported. So far this year, 1,813 cases have been reported.It’s not known if the pandemic-caused shutdowns will worsen the problem or improve it; people are not gathering in hotels, offices or factory buildings as much, however thousands of miles of pipes in buildings are sitting empty and stagnating in the warm summer months."There is currently no nationwide surveillance of water systems for Legionella disease," Chris Edens, an epidemiologist on CDC's Legionella team, told CNN. He said state health departments that normally monitor and report cases of Legionella infection are tied up dealing with coronavirus.To reduce the likelihood of the bacteria growing in pipes, keep cold water cold and hot water hot; Legionella bacteria grows between 80° and 120° Fahrenheit.The CDC has recommendations on their website for building owners reopening after a prolonged shutdown. 2275

An American woman and a Japanese man won the elite divisions in the Boston Marathon Monday, the first time runners from each country have taken the top spots in more than 30 years.Desiree (Desi) Linden, a two-time Olympian, battled the rain and wind to win the 122nd running of the storied race. It's also the first marathon win of the 34-year-old's career."I love this city," Linden said. "I love this race, this course. It's storybook, so I'm thrilled to be here and to get it done."And Yuki Kawauchi of Japan came in first place in the men's elite division, overtaking Geoffrey Kirui of Kenya in the final miles. American Shadrack Biwott was third."For me, these are the best conditions possible," Kawauchi said, according to the Boston Marathon's Twitter account.For the fourth year in a row, Marcel Hug of Switzerland won the men's push rim wheelchair division, while American Tatyana McFadden won the women's push rim wheelchair division for the fifth time.In 2011, Linden finished second in the women's division, just 2 seconds behind Caroline Kilel. She also was second at the US Olympic Marathon trials in 2012. Linden finished fourth in the Boston Marathon last year.Earlier in the race, Linden temporarily took herself out of contention to help fellow American Shalane Flanagan. Flanagan dropped out of the lead pack to go to a portable toilet. Showing tremendous sportsmanship, Linden hung back to wait for Flanagan so they could both return to the lead pack together."Honestly, at mile 2, 3, 4 I didn't feel like I was even going to make it to the finish line," Linden said. "I told her in the race, I said, 'You know, if there's anything I can do to help you out, let me know because I might just drop out. When you work together, you never know what's going to happen. Helping her helped me and kind of got my legs back from there."Flanagan finished sixth, one of six American women finishing in the top eight.Before Linden, the last American woman to win the Boston Marathon was Lisa Rainsberger in 1985.The last Japanese man to win the famous race was Toshihiko Seko in 1987. The last American man to win Boston was Meb Keflezighi, in 2014.  2171